Disability Programs

If you can’t work for a period of time due to a non-occupational illness or injury, REI’s disability plans can help protect your income. These plans include:

Salary Continuation

If you are an eligible salaried, hourly retail management or headquarters employee, you are covered by the Salary Continuation Plan. When on an approved disability, salary continuation provides pay for the first 12 weeks of you or your family member’s illness or injury and is paid bi-weekly at 100% of your average weekly earnings, and 80% of your average weekly earnings for up to an additional 14 weeks for your own illness or injury.

 

Short Term Disability (STD)

All hourly benefits-eligible employees (except HQ and retail management) are covered under STD after a five-day waiting period. If on an approved disability, STD provides bi-weekly benefits at 100% of your average weekly earnings for up to six weeks, including the five-day waiting period. If approved disability extends beyond six weeks, 60% of lost weekly earnings will be paid up to an additional 20 weeks for your own illness or injury.

 

Long Term Disability (LTD)

If you are a benefits-eligible employee and are unable to work beyond the 26 weeks allowed under STD or Salary Continuation, REI’s Long Term Disability plan can help protect your income.

Core LTD Benefit

Company-paid and provided to all benefits-eligible employees. The Core LTD plan pays a monthly benefit of 40% of your pay, if approved for LTD (up to $6,667 per month), starting after 26 weeks of disability.

Voluntary LTD Benefit

Employee-paid additional benefit of 20% of lost monthly income when approved for LTD, to a maximum benefit of $3,333 per month.

  • You can elect Voluntary LTD as a new hire, during a life event or during Benefits Open Enrollment but may be subject to Evidence of Insurability (EOI). REI’s enrollment system will help you determine if EOI is required while you are electing coverage or making changes.

Certain types of insurance require you or your family members to show proof of good health if you don’t enroll when you are initially eligible or you want to increase your coverage. If you don’t enroll during Benefits Open Enrollment or when you have a qualified life event, you may have to provide EOI:

  • To enroll in Supplemental Life Insurance or Supplemental LTD for the first time;
  • To increase your Supplemental Life Insurance coverage by more than one level; or
  • To enroll in or increase your supplemental spouse/life partner amount by more than one level.

REI’s enrollment system will help you determine if EOI is required while you are electing coverage or making changes.

If EOI is required for Employee Supplemental or Spouse Life Insurance, The Hartford will send you or your spouse/life partner an EOI form in the mail. Complete and mail the form or submit it through The Hartford’s online system within 31 days. If the form is late, your coverage may be delayed.

If EOI is required for Voluntary Long Term Disability, Lincoln Financial Group will email you a link to complete the health questionnaire online. If you have questions, contact Lincoln Financial Group at 1-888-287-8494, option 2.

For Life Insurance: Call The Hartford at 1-800-331-7234 to check the status of your application. Once The Hartford has approved your EOI, they will notify the Employee Service Center and the appropriate payroll contributions will be made.

For Voluntary Long Term Disability: Call Lincoln Financial Group at 1-888-287-8494, option 2.